保险公司投标决策研究

Decision-making Study of bidding for Insurance Companies

保险业务招投标是指保险业务供需双方为达到一致目的，利用公开、公平、公正的市场竞争手段促成双方交易的商业行为。作为投标方的保险公司，要想在招投标市场上获得保险业务，必须在保险业务投标前分析影响保险公司投标决策和企业业务发展的各种因素。这些因素一般具有模糊性，很难用准确的数学表达式反映其对投标决策的影响。为此，本文引入了模糊综合评价方法，主要介绍了模糊综合评价方法的基本原理和评价过程，结合具体的案例，将模糊综合评价方法应用到保险公司投标业务决策中。实践证明，这一评价方法为保险公司进行科学决策提供了很好的思路。

Insurance project bidding is a commercial behavior,in which the supplier and demander reach agreement using open- just-fair competition means. As to insurance companies, in order to obtain projects in the insurance market, they will consider all kinds of factors affecting insurance agents decision-making and developing before bidding. These factors are typically ambiguous, difficult to accurately reflect the impacts on bidding decision-making through mathematical formats. So,This paper introduces a Fuzzy Synthesis Evaluation Method,mainly presents basic elements and approaches of Fuzzy Synthesis Evaluation Method. Combining the case, the paper applies Fuzzy Synthesis Evaluation Method to bidding decision for Insurance Company. In practice,this decision method offers a good idea for Insurance Company scientifically making decisions.